Today's Focus

Current Goal: Eliminate Mortgage on Rental Property

January 1, 2019: $59,592
October 19, 2019: $55,780

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Tuesday, November 12

My Frugal Miser - October Income: $12,083

October was a mixed bag.  I worked several meetings, plus received pay from the September meetings I worked.  The Airbnb was only available until the 20th.  I had new hurricane windows and siding installed so I took it offline.  It will be back up November 11th so that month will also be impacted.

Because of all the meeting jobs, along with a merchandising project, I didn't do much driving for Amazon.  I redeemed cashback on two credit cards in the amount of $872.

October Income: $12,083

$76 Mystery Shopping
$5,131 Meeting Jobs
$0 Gig Apps (Rideshare, Scooter Charging, etc.)
$308 Amazon Deliveries
$4,090 Rental Income
$1,556 Airbnb Income
$50 Interest Income
$872 Other Sources

Investment Accounts Change in Value:  $8,080

Even though I've been converting more investments to cash, my stock market investments continued to climb.

Saturday, November 9

My Frugal Miser - October Expenses: $29,699


I did some big spending in October.

First, the "good".  The power company refunded a portion of my deposit, so there was no power bill in October.  Our food bill was lower than normal because of all the meetings we worked.  Often our meals are covered when we work these jobs.  This also had a positive impact on the amount I spent on gas for the car.  The savings on gas was offset by an unexpected repair.  The transmission pan gasket started leaking and an immediate repair was necessary.

Next, the big ones.  I am having hurricane windows and new siding installed at the Airbnb.  This property has been our biggest real estate success, and I want to continue to invest in the house to make it as successful as possible.  There's one final payment remaining which will be made in November.  Another big expense was property taxes.  I paid two property tax bills in October.  The remaining bills will be paid in November.

The only other category worth mentioning is "fun".  After working nearly six weeks straight, I needed a break.  We spent three nights in Las Vegas and I splurged on Lady Gaga tickets.  I had $100 in vouchers from Frontier, which brought our two roundtrip tickets down to $150.  The hotel (Santa Fe Station) was free and I spent $147 to rent a car.  That left gambling.  On our first day, I was playing video poker and won $500 on one hand.  Then, the next morning, playing the same game I won another $500!  The rest of the week was not so lucky, but I still left Las Vegas $600 ahead.  Finally, we are now in China.  This was a super deal - flights, hotels, tours, visa and gratuities were under $1,500 for a 10 day trip.  Meals and miscellaneous spending are the only out of pocket expenses we should have during our trip.  I took out some cash for our trip, which is reflected in the "fun" category.



October Business Spending:  $23.150
October Personal Spending:  $6,549

October Expenses:  $29,699

$505 Auto (service, gas, insurance, AAA, etc.)
$0 Bank Fees
$75 Clothing/ Personal Care
$1,992 Fun (vacations movies, gambling, alcohol, concert tickets)
$541 Food
$628 Health & Dental
$1,669 Household/Mortgage Payment/Home Repair
$0 Interest Expense
$10 Miscellaneous
$820 Taxes includes quarterly tax payments
$30 App Jobs Expenses (tolls, car washes, etc.)
$299 Unreimbursed Employee Expenses
($488) Reimbursed Employee Expenses income this month
$310 Utilities
$5,582 Rental Property Expenses
$17,727 AirBNB Expenses

Thursday, October 3

My Frugal Miser - September Expenses: $7,734


September is a perfect example of how an otherwise frugal month was destroyed by an unexpected emergency.  Early last month I had a major toothache.  Turned out I needed a root canal.  After maxing out my dental insurance, I was on the hook for close to $2,000 in charges for the root canal and crown.  Hefty, but the pain was so bad that I am happy it's gone!

 Every other category was reasonably normal.  I renewed our AAA membership ($166).  The remaining auto expense was for gas and a car rental.  We treated a friend we hadn't seen in a year to a fancy restaurant meal; otherwise food cost would have been really low.  Overall I am happy with my September spending and don't feel like I was careless.



September Business Spending:  $1,882
September Personal Spending:  $5,852

September Expenses:  $7,734

$579 Auto (service, gas, insurance, AAA, etc.)
$0 Bank Fees
$23 Clothing/ Personal Care
$323 Fun (vacations movies, gambling, alcohol, concert tickets)
$423 Food
$2,348 Health & Dental
$1,426 Household/Mortgage Payment/Home Repair
$0 Interest Expense
$18 Miscellaneous
$341 Taxes includes quarterly tax payments
$0 App Jobs Expenses (tolls, car washes, etc.)
($66) Unreimbursed Employee Expenses co-worked reimbursed her share that I paid to hotel
$390 Reimbursed Employee Expenses
$372 Utilities
$923  Rental Property Expenses
$634 AirBNB Expenses

Tuesday, October 1

My Frugal Miser - September Income: $8,037

September was a modest month.  There were several weekdays when the Airbnb was empty.  I lowered prices on some of those days and was able to pick up a couple of last minute bookings.  We had 8 vacant days last month.  I worked two meeting jobs but have not been paid yet.

September Income: $8,037

$0 Mystery Shopping
$0 Meeting Jobs
$330 Gig Apps (Rideshare, Scooter Charging, etc.)
$917 Amazon Deliveries
$4,090 Rental Income
$2,629 Airbnb Income
$71 Interest Income
$0 Other Sources

Investment Accounts Change in Value:  $3,963

My stock market investments continued to climb.